Who is Responsible for My Medical Bills After a Car Accident in Florida?

Avard Law Offices, Cape Coral, Florida

Being involved in a car accident can be a traumatic and confusing experience, especially when it comes to handling medical expenses. If you’re injured in a car accident in Florida that was not your fault, understanding who is responsible for your medical bills is crucial. At Avard Law Offices, we frequently address this concern for our clients in Cape Coral, Florida, and the surrounding areas.

Florida’s No-Fault Insurance System

Florida operates under a no-fault insurance system. This means that after a car accident, each driver’s own insurance coverage, specifically their Personal Injury Protection (PIP) coverage, is primarily responsible for paying for medical bills, regardless of who was at fault in the accident. PIP coverage is required for all Florida drivers and typically covers 80% of all necessary and reasonable medical expenses up to the limits of your policy, which is usually $10,000.

Limits and Gaps in PIP Coverage

While PIP can provide immediate coverage for medical expenses, it does have its limitations. It only covers a portion of your medical bills and lost wages, and the $10,000 limit can be quickly exhausted in the case of serious injuries. Additionally, PIP doesn’t compensate for pain and suffering or other non-economic damages.

Seeking Compensation Beyond PIP

If your medical expenses exceed the limits of your PIP coverage, or if you suffer significant and permanent injuries, you may be entitled to seek additional compensation from the at-fault driver’s insurance. This is where understanding the legal thresholds for stepping outside the no-fault system becomes essential. In Florida, you can pursue a claim against the at-fault party if you have suffered significant and permanent loss of a bodily function, significant and permanent scarring or disfigurement, or death.

Filing a Bodily Injury Claim

If your injuries qualify, you may file a bodily injury claim against the at-fault driver’s insurance. This type of claim can cover the remaining 20% of your medical bills not covered by PIP, future medical expenses, lost wages, and other damages such as pain and suffering. It’s important to note that not all drivers in Florida carry bodily injury liability insurance, as it is not required by law.

What If the At-Fault Driver is Uninsured or Underinsured?

In cases where the at-fault driver is uninsured or underinsured, you may turn to your own uninsured/underinsured motorist (UM/UIM) coverage, if you have this in your policy. UM/UIM coverage can pay for your medical expenses and other damages when the at-fault party’s insurance is insufficient or non-existent.

Why Legal Assistance is Important

Navigating the aftermath of a car accident can be overwhelming, especially when dealing with insurance companies and legal thresholds. An experienced personal injury attorney can help you understand your rights and options. At Avard Law Offices, we assist our clients in:

  • Evaluating Their Insurance Coverage: We review your insurance policy to determine the extent of your coverage and guide you on how to maximize your benefits.
  • Identifying All Potential Sources of Compensation: We explore all possible avenues for compensation, including the at-fault driver’s insurance and your own UM/UIM coverage.
  • Negotiating with Insurance Companies: We handle negotiations with insurance companies to ensure that you receive fair compensation for your injuries and losses.
  • Filing a Lawsuit if Necessary: If a fair settlement cannot be reached, we are prepared to file a lawsuit and represent you in court.


At Avard Law Offices, we understand the challenges and frustrations that come with being injured in a car accident. Knowing who is responsible for your medical bills and how to navigate Florida’s insurance laws is critical in ensuring you receive the compensation you deserve. If you or a loved one has been injured in a car accident in Florida, don’t hesitate to seek professional legal assistance.

Remember, each case is unique, and the information provided here is a general guideline. For personalized advice, contact us at Avard Law Offices in Cape Coral, Florida, where our experienced team is ready to help you through every step of the process.


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